Sub Prime Credit Thread Part III

BigMan

bla bla bla

Sorry to break up your discussion, but I was getting about 20 emails in the last 4 minutes, I clicked the notify me by e-mail.

Thank goodness i never posted on the catalogue thread !!! :beer:

never-in-doubt

Woodyrocks wrote: »

I read in a post about someone having their 3K+ limit reduced to 1K. What are the reasons that your credit limit gets reduced (apart from asking for a reduction obviously) - it would be useful to know!

Nah I had this cos BOI declined me then I appealed and got accepted. They then done their usualy monthly search and limit dropped to £2k, then month after to £1k. They told me it was easier to do that than close account and issue me a normal card - basically they messed up and shouldn;t have given me a £3800 limit. However, after 6mth they will put it back to that limit and any increment that would be automatically added - if due one.

I'm happy with them though, they are a sound bunch overall and I knew they offered me a £1k limit but thought it changed with appeal, to the £3800!

never-in-doubt

BigMan wrote: »

Thank goodness i never posted on the catalogue thread !!! :beer:

You'd have enjoyed it - :rotfl::rotfl:

BigMan

I know, I have been following it.

Maybe pushing my luck here, just applied for a Flybe card and did not get declined.

ElkyElky

never-in-doubt wrote: »

G'night...... bummer for when you go away if you're on a stookie (crutches)? Bummer! :mad::mad: Want me to take your place mate?

Noo noo, it's just a simple break. I just left my toe as is, it will heal itself. I cracked the bone at the joint, on my big toe so you can't have my place! :hello:

bigbum_2

ElkyElky wrote: »

I broke my toe yesterday (thanks to my bedroom door) and it is starting to get a little painful again so I think I'll head off to bed.

Good night all

Nighty-night Elky.

Hope your recovery is speedy.

:beer:

Parki_2

BigMan wrote: »

I know, I have been following it.

Maybe pushing my luck here, just applied for a Flybe card and did not get declined.

Referred? Good luck with that!

never-in-doubt

BigMan wrote: »

I know, I have been following it.

Maybe pushing my luck here, just applied for a Flybe card and did not get declined.

Remember Flybe do Equifax, whereas JD do Experian so worth seeing what happens. Remember you'll rarely get instant decision if you apply outside normal office hours! On Fridays if you apply after 6pm most will be referred.

Also, note Sygma (Flybe) are notorious for adding cifas markers mate :eek:

However, that aside - good luck :T

TheEffect

My Vanquis statement came out on the 20th last month, so wondering if it will come out tomorrow on the 20th. Eager to know if they upped my limit to £500 as it's my 4th statement.

sutton111

TheEffect wrote: »

My Vanquis statement came out on the 20th last month, so wondering if it will come out tomorrow on the 20th. Eager to know if they upped my limit to £500 as it's my 4th statement.

Try ringing the automated line now, you may be in luck.